The owners of my apartment building hired men to renovate the upstairs apartments. The workers accidentally broke the water heater above my apartment and water leaked into my storage unit ruining alot of antiques I had stored. Who is responsible? Am I at a loss because I didn't have renters insurance?
2007-02-05 23:50:04 · 8 answers · asked by deazzling 2 in Business & Finance ➔ Renting & Real Estate
Actually J.S. is correct. The owner is responsible for his building but you are responsible for your possessions. You should have had insurance on your antiques if they were valuable. The owner has insurance on his building only.
Find out from the LL who the contractors are, the company they work for, their address, then send the company an itemized list of damages and a request for compensation. However, you will have to have receipts for those antiques proving you bought them. This MIGHT work, however I wouldnt count on it.
Check your lease. Mine states that the tenant is advised to have Renters Insurance, and that we are not responsible for any damages to tenants personal property.
2007-02-06 05:49:52 · answer #1 · answered by kimmamarie 5 · 0⤊ 0⤋
YES, the landlord CAN and SHOULD ask that all tenants have renters insurance. Even if you don't think you have anything of value, how do you intend to pay for a motel or other expenses if your place burns down? You would be the first person I bet with your darn hand out expecting the landlord to give you $$$ for living arrangements.. or wanting to sue the landlord.. LOL Renters insurance is like $10 a month. If you can't afford that, you really shouldn't be renting a place. And, your comment about them requiring it so they don't have to pay for things is completely false! If there is an apartment fire or some act of God that ruins your stuff, the landlord would NOT be held accountable to replace your things. He also would not be accountable to put you up in a motel etc. So, your argument holds no water here. Go get the insurance. If you don't want it, go find a place that doesn't require it. But, don't complain or whine when something happens and all your stuff is lost. You are obviously typing on a computer right now.. I guess you wouldn't want that replaced if there were an accident, right?
2016-05-23 23:07:00 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Typically in this situation if anything is damaged because of something the Landlord directly caused or causes than you nor your Insurance Company are responsible. The owner's would be responsible even though unfortunately quite often it is made to be a big ordeal and you may find yourself having to hire someone from the outside for legal advice. Many think that just because it is written in a lease and we have signed it then it is "set in stone" but that simply is not true. I was under the same assumption until I had an incident a few years back and learned that some of the statements on a Lease are not legally binding. I was able to contact my Attorney and get the help I needed. Best of luck to you.
2007-02-06 00:43:55 · answer #3 · answered by Hopeful 4 · 1⤊ 1⤋
Read your lease, talk to your landlord and talk to a lawyer about all of this. It may state in your lease that the landlord is not rsp for damages to your items,but then again maybe you have a compassionate landlord whom will help with the damages-but then again maybe not. Talk to your lawyer and see what can be done after you find out from your landlord. Whatever your landlord says -get in wrighting so there is no confusion over who said what later.
2007-02-06 03:12:52 · answer #4 · answered by Rain32 4 · 0⤊ 1⤋
The landlord is responsible for the building. You are responsible for your things inside. You are at a loss because you didn't have renters insurance.
2007-02-05 23:59:10 · answer #5 · answered by Vakari 5 · 1⤊ 1⤋
The owners have to get after the men they hired, to pay for the damage!
2007-02-05 23:59:00 · answer #6 · answered by Gerry 7 · 0⤊ 1⤋
Your landlord is responsible. His insurance should pay for everything. Make sure to get all pictures so you don't get screwed over.
2007-02-05 23:59:32 · answer #7 · answered by imdachef2003 2 · 0⤊ 2⤋
you'd have to look at the agreement you signed with the landlord.
if there was one it might have the that spelled out... if not you could try Small claims court (but you'd need proof of Value prior to the damage)
2007-02-05 23:56:21 · answer #8 · answered by mdlbldrmatt135 4 · 2⤊ 1⤋